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Ohio Auto Insurance — Knowing the Basics

The purchase of a new car can be financially draining, but you have to remember that there are other big costs to consider as well, particularly automotive insurance. If you feel dismayed at yet another major outlay, why not visit Cheapautoinsuranceohio.net, which can help you find cheap car insurance in Ohio. You will not only find plenty of useful information about what is compulsory and what is not, but you will see a quote box, where you can enter your zip and find the cheapest rate.

Ohio Auto Insurance Laws and Requirements

You should not find it too difficult to get hold of cheap auto insurance in Ohio, as many types of coverage are optional here. As Ohio is not a no-fault state, you are not required to purchase no-fault insurance. In addition, you are not obliged to carry uninsured/underinsured motorist (UM/UIM) coverage, to protect you in the event that the other party in any accident does not have adequate insurance. The State of Ohio also does not require you to carry Personal Injury Protection (PIP) cover, so you can save money on all these options. However, liability coverage is required in Ohio, and you can find the minimum amounts in the following table.

Coverage

Requirements

Most Common

Bodily Injury Liability

12,500/25,000

100,000/300,000

Property Damage Liability

7,500

100,000

Uninsured Motorist Injury

Not required

100,000/300,000

Medical

Not required

5000

Collision

Not required

500 deductible

Comprehensive

Not required

0 deductible

When you drive your car, of course, it is not just the insurance laws you have to observe, but the traffic laws as well. In fact, violations of these laws can result in increases in your insurance premium. Among the most essential laws are the maximum speed limits, which are vital for safety on the roads. Excess speed is one of the major causes of fatalities and serious injuries on our highways, so they need to be taken seriously. These are the maximum speed limits in the State of Ohio:

Rural Interstate

70

Urban Interstate

65

Other Limited-Access

60

Other Roads

55

Find Out More About Ohio Auto Insurance

You may be surprised to learn that the majority of drivers never bother to find out about the laws and regulations governing their use of their vehicle. When they find themselves unwittingly in violation of these regulations, it comes as a nasty shock. To prevent this happening to you, it’s a good idea to visit http://www.bmv.ohio.gov, to ensure you are aware of all the requirements you need to observe, including getting your driver’s license, ID card requirements, and registration of your vehicle.

Finding the Lowest Ohio Auto Insurance

The real secret to getting cheap auto insurance in Ohio is to find out what discounts are available. Your insurer may not tell you unless you ask, so it pays to do some digging! For instance, many insurers give discounts for anti-theft and safety equipment on your car, including airbags, alarm systems, and LoJack products, and you may get a discount if you are a senior driver, or if you have a very low annual mileage. And then, of course, you are a low risk to your insurer if you have a clean driving record.

As a driver, you are legally obliged to have insurance, so it makes sense to do your best to find cheap car insurance in Ohio. The easiest way to do this is by visiting Cheapautoinsuranceohio.net. Just put a few simple pieces of information into the quote generator, and it will take you to the best rates available where you live.

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Also, you can save on your automotive insurance policy in these major cities: